That’s I’ve moved bank already and it was not small thing, changing all my debit systems and others, I think that banks depend on that relative inflexibility or trouble to keep a core of customers and they only compete for the small segment of floating consumers.

I do have a credit union membership, in fact they handle my bigger debts from a couple of years ago and I’ve been saving with them for a long time, they helped me with my debt when the bank was unwilling to extend me credit on it for as long as it would take to pay it all back.

I definitely do believe they are more conscientious, in Europe at least, and Germany, they were a local response to the crimes of usury and money lending which were driving working people into the ground.